You are here: American University Campus Life Student Health About Student Health Insurance

Student Health Insurance About the Student Health Insurance Plan

American University requires all full-time students, all students who live in AU housing, and all international students with F-1 and J-1 visas to carry personal health insurance. Students in these required categories are automatically enrolled in the AU student health insurance plan offered by CareFirst. The annual premium of $1,952 is automatically assessed to your student account. If you are covered under another comparable health insurance plan, you can waive the university-sponsored student health insurance plan by submitting a waiver.

Student Health Insurance will be provided by CareFirst for the 2020-2021 policy year.

The Rates for the 2020-2021 Policy Year
  Annual Fall* Spring/Summer Summer
Student $1,952 $814 $1,139 $488
Spouse/Partner+ $1,952 $814 $1,139 $488
Each Child+ $976 $407 $570 $244
All Children+ $1,952 $814 $1,139 $488
All Dependents+ $3,912 $1,630 $2,282


*Fall Only coverage is only available to students in one-semester programs at the university. Students who graduate in December may contact the SHC in December and once we verify your graduation, we will provide a refund. You must contact the university before December 31st to receive a refund.
+ Spouse/Partner and dependent coverage must be paid directly to CareFirst once the student's enrollment is complete and cannot be broken into installment payments.

Health Insurance Questions and Answers

Yes. If you have been charged the premium for the student health insurance plan and want to accept the coverage, you can go to at the start of the policy year (typically after August 1) to create an account with CareFirst. This allows you to download your insurance ID card, request a permanent card, and more. Without the card, you're still insured, but there can be complications in accessing it if needed.

If you are not in one of the categories that requires insurance, but you are enrolled in at least 6 credit hours, you are able to voluntarily enroll in the student health insurance plan. To complete a voluntary enrollment form, email with your name, AUID, date of birth, and preferred mailing address. Your student account will be billed for the health insurance and you will be able to access your insurance on August 1.

The student health insurance includes limited pediatric dental benefits (for students under age of 19) and vision benefits.

Additional dental coverage is available with MetLife. Any questions about the benefits of the plan for any waiting periods before you can receive services can be answered by calling 1-844-263-8336.

Additional vision insurance can be purchased through VSP. They can also be reached at 1-844-641-6718.

All full-time students, students living in university-sponsored housing at American University, and students with an F1 or J1 visa are automatically enrolled in the Student Health Insurance Plan. If you were automatically enrolled in the Student Health Insurance Plan based on the number of credit hours you are taking, it's important for you to contact our office if you drop any classes. If you were full-time and drop to part-time status, you'll lose your health insurance benefits. To prevent this, you'll need to contact the student health center so we can make sure the charge for health insurance remains on your student account.

All students – undergraduate, graduate, and law – taking six or more credit hours are eligible to enroll in the Student Health Insurance Plan.

If you are covered by your parents' plan or have other coverage with comparable benefits to the AU plan, you probably wouldn't need the AU insurance plan. Before you waive, you might want to review the specifics of your current policy and compare them with the AU plan. Some of the basic information you might want to compare is:

  • Annual cost: Is the AU plan less expensive for the amount of benefits offered than your current plan? 
  • Deductible amount: How much you will pay out of pocket before your insurance pays?
  • In-network and out-of-network benefits: Does your insurance consider specialists in DC in-network or out-of-network?
  • Prescription drug benefits: Does your plan include coverage for prescription drugs?
  • Coverage abroad: Does your plan include coverage when you travel abroad?

Simply complete an online health insurance waiver before the designated waiver deadline. See the Insurance Waiver Information page.

Yes. You must waive the AU Student Health Insurance Plan at the beginning of each academic year. 

To learn more about the plan, you can visit the Carefirst website. You can also call 1-844-898-3332 with any questions.

If you have been automatically enrolled in the Student Health Insurance Plan, the premium (annual cost of health insurance) amount will be assessed to your student account. You can log onto and review your Eagle Finance Page to ensure this has occurred. 

To receive your CareFirst insurance card visit beginning August 1, 2019.   You can also download the mobile CareFirst app on your phone at MyAccount.

Yes. AU understands that you might not be alone when coming to AU. With that in mind, you can purchase health insurance for your spouse, domestic partner, or dependents. After your create an account with CareFirst you will be able to add a spouse, domestic partner, or dependents to your plan. Visit CareFirst for more information.

If you have questions about your health insurance or your submitted health insurance waiver, you can call CareFirst at 1-844-898-3332.